To qualify for a State Pension (Contributory) you must be aged 66 or over
and have enough Class A, E, F,G, H, N or S social insurance contributions.
You need to:
- Have paid social insurance contributions before a certain age
- Have a certain number of social insurance contributions paid and
- Have a certain average number over the years since you first started to
1. Paid insurance before a certain age
You must have started to pay social insurance before the age of 56. (The age
limit is higher for people born before 1922.)
Entry into insurance
Your entry into insurance means the date on which you first started
to pay social insurance.
The rules that determine when you entered into insurance are quite complex
for those with mixed insurance, that is, full social insurance for some of the
time and modified at other times.
Normally the date of starting insurable employment is taken as the date of
the first paid employment contribution.
However if you have a mixture of full- and modified-rate contributions and
paid your first full-rate employment contribution before 6 April 1991 and
before you reached 56 years of age, your entry into insurance can be the date
on which you first started to pay the full-rate of insurance if that would be
to your advantage.
If you started to pay full insurance after 6 April 1991, your entry into
insurance is the time you first paid any social insurance.
There are also special entry into insurance rules for self-employed people.
If you started to pay self-employed contributions on 6 April 1988 and had
previously paid employee insurance at any time, then the date of entry into
insurance can be either 6 April 1988 or the date on which you actually first
paid insurance, whichever is to your advantage.
2. Number of paid contributions
If you reach pension age on or after April 6
2012, you need to have 520 full-rate contributions (10 years
contributions). In this case, only 260 of the 520 contributions may be
However, if you were a voluntary contributor on or before April 6 1997 and
you have a yearly average of 20 contributions, you may meet the requirement if
you have a total of 520 full-rate contributions (of which only 156 need to be
compulsory paid contributions).
If you reached pension age on or after 6 April 2002, you needed
to have 260 full-rate contributions (effectively 5 years contributions but they
need not be consecutive).
If you reached pension age before 6 April 2002, you needed 156
qualifying full-rate contributions (a total of 3 years but they did not have to
Note that social insurance contributions fall into the four groups below.
social insurance contributions are PRSI contributions at Classes A, E,
F, G, H, N and S or at the 'ordinary' rate before 6 April 1979.
- Modified-rate social insurance contributions are PRSI contributions at
Classes B, C and D (paid by civil and public servants).
contributions are made by people under age 66 who are no longer covered
by compulsory PRSI provided they satisfy certain conditions.
contributions ('credits') are similar to the social insurance
contributions you pay while employed and are usually awarded at the same
rate as your last paid social insurance contribution. You may get credits
when you are claiming a social welfare payment. Credits are not allowed
after self-employed contributions (Class S).
3. Average number of contributions per year
You must meet the average condition. This is probably the most complex
aspect of qualifying for a State Pension (Contributory).
Normal average rule
The normal average rule states that you must have a yearly average of at
least 10 appropriate contributions paid or credited from the year you first
entered insurance or from 1953, whichever is later to the end of the tax year
before you reach pension age (66). An average of 10 entitles you to a minimum
pension; you need an average of 48 to get the maximum pension.
Alternative average rule
This alternative average only applies to people who reach pension age on or
after 6 April 1992.
It requires that you have an average of 48 Class A, E, F, G, H, N or S
contributions (paid or credited) for each contribution year from the 1979/80
tax year to the end of the tax year before you reach pension age (66). This
average would entitle you to the maximum pension. There is no provision for a
reduced pension when this alternative average is used.
So, if you reach the age of 66 on or after April 6 1992, your average will
be looked at in two ways - the usual average will be assessed and the
alternative average will be assessed. Most employed or formerly employed people
will be able to meet the alternative average. The alternative average will
probably be looked at first because it is easier to assess. If you do not have
an average of 48 contributions from 1979 then the normal method of assessing
the average will be looked at and you may get a reduced pension (if you do not
meet the alternative average, it is virtually impossible for you to have an
average of 48 using the normal average rule).
Working in the home and State pensions
In 1994, regulations were made that should make it easier for people who
take some time off work to care for family members to qualify for pensions. The
Scheme is for people who have been carers since or after 1994. It does not
affect people who were carers before April 1994 and it is not of much use to
those who give up work permanently. It is of greatest importance for those who
work outside the home for a number of years, then spend a number of years as
carers and then return to the workforce. It applies equally to women and
From 5 April 1994, any contribution year spent as a homemaker may be
disregarded in the calculation of the yearly average up to a maximum of 20
years. So, the fact that you do not have any contributions in those years will
not affect your entitlement to a pension.
There are a number of pro-rata pensions, which were introduced because of
the exclusion of some people from the social insurance system at particular
Pro-rata pension for mixed insurance
Pro-rata pensions were introduced for people with mixed insurance records.
Mixed insurance arises when a person spends part of his/her working life in the
public service paying modified social insurance contributions and part in the
private sector paying full rate social insurance contributions.
Many people have had a career in both the public and private sector but do
not have mixed insurance. This is because no insurance was payable by people
whose incomes were above certain limits before 1 April 1974. Certain groups who
are now insured were outside the scope of the system - Gardai are insurable
since 1 April 1974; certain members of religious orders since 6 April 1988 and
doctors and dentists in the civil service since 6 April 1988.
People with mixed insurance may have enough full rate contributions to
enable them to qualify for a State Pension (Contributory). This depends on the
exact circumstances of each case. It could happen that one person would qualify
while another, who might have more contributions, would not qualify.
Since 1991, a State Pension (Contributory) may be payable on a pro-rata
basis to people with mixed insurance. If you reach pension age on or after 6
April 2012, you need to have a total of at least 520 full rate and modified
rate contributions paid.
You must also have:
- At least 260 paid contributions at the full rate since entry into
insurance or 1953, whichever is later
- A mixture of full and modified contributions, which when added together
give you a yearly average of 10 (for the State Pension Contributory) from
the time you first entered insurance or 1953, whichever is later, to the
end of the contribution year before your 66th birthday.
- Failed to qualify for a pension under EU regulations or under reciprocal
arrangements with other countries or only qualified for a pension at a
lower rate than this pro-rata pension would give you.
If you meet all these requirements, you may qualify for a pension
proportionate to the number of contributions that you have at the full rate. To
take a very simple example, if you worked for 40 years up to age 66 and 10 of
those were in the private sector, you would get one-quarter of the normal
The amount paid is in proportion to your full-rate contributions as a
percentage of your overall contributions. To calculate your pension you add
contributions at the full and modified rates together. The average is then
measured in the normal way. If you have an average of at least 10 then you may
qualify. Then the number of full rate contributions is divided by the total
number of contributions to find out what proportion are full rate; you then get
that proportion of the pension. The Increase for a Qualified Adult payable with
this pension is proportioned as well.
Pro-rata pension for intermittent insurance
This pension applied to people with intermittent insurance and who had a
yearly average of under 10. It no longer applies to new applicants (from
January 2013). This pro-rata pension was only payable to people who meet
specific conditions. That is, they had to have a broken insurance record and
have re-entered insurance in 1974 because of the removal of the income limit.
Their average is measured in the usual way and if that average is 10 or more
they got a pension in the normal way. However, if it was between 5 and 9 they
got a special partial pension which was one quarter of the maximum pension.
See Further information below for more information on other
pro-rata pensions that no longer apply to many people (because most people who
would qualify are now over 66).
Pro-rata EU pensions
If you have worked in Ireland and one or more EU states your social
insurance contributions from each EU state will be added to your Irish social
insurance contributions to help you qualify for a social welfare payment. More
information about combining
your social insurance contributions to qualify for a state pension is
Increases for a qualified adult and pensioners over 80 years of age are
calculated in the same way as the personal rate of pension. Increases for a
qualified child are payable from one country only and, if from Ireland, are
paid in full.
Bilateral social security agreements
Ireland has bilateral
social security agreements with Canada, the USA, Australia, New Zealand,
Austria, Japan, Republic of Korea and Quebec (which has a separate system from
the rest of Canada). These agreements are broadly similar and they generally
provide that social insurance paid in Ireland and the other country can be
combined to help people qualify for old age and retirement pensions. Again, in
general, the method of calculation is similar to the EU rules.
State Pension (Contributory) rates for people who qualify
for pensions from 1 September 2012
|Yearly average PRSI contributions
||Personal rate per week, €
||Increase for a qualified adult* (under 66), €
||Increase for a qualified adult* (over 66), €
|48 or over
*Increases for qualified adults are means-tested payments (see Adult
From 1 September 2012, the rate band 20-47 was replaced by the bands 20-29,
30-39 and 40-47. You can read
FAQs about these changes on welfare.ie.
State Pension (Contributory) rates for people who qualified for
pensions before 1 September 2012
|Yearly average PRSI
||Personal rate per week,
||Increase for a qualified adult (under
||Increase for a qualified adult (aged
66 and over), €
|48 or over
|20 - 47
|15 - 19
|10 - 14
*Qualified adult rates apply to claims made from 6 April
You are automatically paid an extra allowance of €10 per week when you
reach 80 years of age. This increase is not paid to qualified adults.
Alone Increase may be payable to people who live completely alone. You may
also be eligible for other benefits. Find out more about medical
cards, the Household
Benefits Package and Fuel
You can get an increase
in your payment for an adult dependant (called a qualified adult).
Your income is not taken into account in the assessment for
a Increase for a Qualified Adult. Any income your adult dependant has from
employment, self-employment, savings, investments and capital (for example, any
property except your own home) is taken into account. If you
have joint savings or investments with your spouse, civil partner or cohabitant
only half is taken into account.
If you are getting a State Pension (Contributory) the Increase for a
Qualified Adult is automatically paid directly to your adult dependant.
This only applies to applications for State pensions received by the
Department on or after 27 September 2007.
You can also get an increase
in your payment for child dependants (known as qualified children). Since 6
July 2012 you can no longer claim an Increase for a Qualified Child (IQC) with
your State Pension (Contributory) if your spouse, civil partner or cohabitant
has an income of over €400 a week. You get a half-rate IQC if your spouse,
civil partner or cohabitant earns between €310 and €400 a week. This only
applies to claims made after 6 July 2012.